The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,813
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$341/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,982/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,030
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$328/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,360/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,976
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$410/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,629
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,580/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,436
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$393/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,139
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,609
−HK$479/mo
Today · 4.125%
HK$16,088
baseline
▲ 0.50% · 4.625%
HK$17,067
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,176/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,842
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,293
−HK$458/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,687
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,502/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$615/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,943
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,234
−HK$589/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,026
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,714 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).